發(fā)布時(shí)間：2018-06-04 00:33

  本文選題：中小企業(yè)信貸保險(xiǎn) + 中小企業(yè)融資��； 參考：《河南大學(xué)》2014年碩士論文

【摘要】：我國(guó)正處于全面建設(shè)小康社會(huì)，加快推進(jìn)現(xiàn)代化建設(shè)的新階段,在這個(gè)環(huán)境下社會(huì)經(jīng)濟(jì)協(xié)調(diào)發(fā)展的觀念在黨和國(guó)家制定的發(fā)展戰(zhàn)略中得到了重視和強(qiáng)化，這種觀念也成為全社會(huì)對(duì)經(jīng)濟(jì)發(fā)展的共識(shí)。因此，保險(xiǎn)的經(jīng)濟(jì)助推器和社會(huì)穩(wěn)定器作用對(duì)于經(jīng)濟(jì)的協(xié)調(diào)發(fā)展就顯得更加突出和重要。隨著保險(xiǎn)在社會(huì)經(jīng)濟(jì)中地位的不斷提高，經(jīng)濟(jì)的發(fā)展要求保險(xiǎn)業(yè)不斷地完善機(jī)制、開拓空間、開發(fā)新的產(chǎn)品，適應(yīng)經(jīng)濟(jì)發(fā)展?jié)M足市場(chǎng)對(duì)保險(xiǎn)的需求。 中小企業(yè)信貸保險(xiǎn)是在中小企業(yè)融資的巨大需求下產(chǎn)生的保險(xiǎn)業(yè)務(wù)，他對(duì)于緩解企業(yè)融資困境有著很大的促進(jìn)作用，有利于企業(yè)融資高效率低成本的運(yùn)行。但是由于該保險(xiǎn)業(yè)務(wù)具有承擔(dān)風(fēng)險(xiǎn)的特殊性、強(qiáng)調(diào)損失共擔(dān)以及風(fēng)險(xiǎn)調(diào)查困難等特征，因此在發(fā)展過(guò)程中遇到了很多制約因素，影響了他的持續(xù)健康發(fā)展。 環(huán)顧當(dāng)今世界，不管是在發(fā)達(dá)國(guó)家還是在發(fā)展中國(guó)家中小企業(yè)都已經(jīng)成為或者正在成為國(guó)民經(jīng)濟(jì)的重要支柱，他的快速發(fā)展不但促進(jìn)了國(guó)家經(jīng)濟(jì)的繁榮還在維持社會(huì)穩(wěn)定上發(fā)揮了重要作用。我國(guó)中小企業(yè)在經(jīng)過(guò)突飛猛進(jìn)的發(fā)展階段后，現(xiàn)處于一個(gè)發(fā)展的瓶頸期，這主要是由中小企業(yè)規(guī)模小、信貸信用低、企業(yè)流動(dòng)負(fù)債所占比例較大以及管理機(jī)制不規(guī)范等自身特點(diǎn)造成的。這些自身劣勢(shì)使中小企業(yè)的融資渠道狹窄，銀行信貸調(diào)查成本高、風(fēng)險(xiǎn)大，增加了貸款難度，使中小企業(yè)陷入融資困境，因此能否緩解中小企業(yè)融資困境成為解決中小企業(yè)發(fā)展問(wèn)題的關(guān)鍵。 本文首先通過(guò)緒論介紹選擇中小企業(yè)信貸保險(xiǎn)在中小企業(yè)融資中作用問(wèn)題分析的選題背景，對(duì)我國(guó)信貸保險(xiǎn)發(fā)展現(xiàn)狀和中小企業(yè)資金來(lái)源作一個(gè)簡(jiǎn)要描述，指出兩者之間的緊密關(guān)系，從而得出研究必要性。然后分別對(duì)中小企業(yè)信貸保險(xiǎn)和中小企業(yè)融資兩個(gè)問(wèn)題作詳細(xì)的分析和介紹。其中包括：中小企業(yè)信貸保險(xiǎn)的概念以及作用機(jī)理分析，還有中小企業(yè)的發(fā)展現(xiàn)狀、資金來(lái)源和融資問(wèn)題以及在我國(guó)經(jīng)濟(jì)發(fā)展中起到的作用等。最后是根據(jù)社會(huì)發(fā)展的實(shí)際情況指出中小企業(yè)信貸保險(xiǎn)在中小企業(yè)融資中的作用，怎樣才能利用好中小企業(yè)信貸保險(xiǎn)來(lái)為中小企業(yè)服務(wù)，這樣的發(fā)展模式的前景如何并給出建議。 本文經(jīng)過(guò)對(duì)中小企業(yè)信貸保險(xiǎn)以及中小企業(yè)融資等方面的詳細(xì)介紹，得出中小企業(yè)信貸保險(xiǎn)能夠在一定程度上提高中小企業(yè)的信用等級(jí)，促使企業(yè)內(nèi)部管理經(jīng)營(yíng)規(guī)范化，保證中小企業(yè)在發(fā)展中對(duì)資金使用的長(zhǎng)期性和持續(xù)性，，這對(duì)于緩解中小企業(yè)融資困境有很大的促進(jìn)作用，同時(shí)在研究和討論中我們也發(fā)現(xiàn)了許多在實(shí)際實(shí)施過(guò)程中的問(wèn)題，我們對(duì)這些問(wèn)題提出了一些建議和解決辦法，希望能夠有助于中小企業(yè)信貸保險(xiǎn)的持續(xù)健康發(fā)展。
[Abstract]:China is in the new stage of building a well-off society in an all-round way and speeding up the modernization drive. In this environment, the concept of coordinated development of social economy has been emphasized and strengthened in the development strategy formulated by the party and the state. This concept has also become the consensus of the whole society on the economic development. Therefore, the economic booster and social stabilizer of the insurance. With the continuous improvement of the status of insurance in the social economy, the development of the economy requires the insurance industry to continuously improve the mechanism, develop the space, develop new products, adapt to the economic development and meet the demand of the market for insurance.
The credit insurance of small and medium enterprises is an insurance business which is produced under the huge demand of small and medium-sized enterprises. He has a great effect on alleviating the financing difficulties of enterprises, which is beneficial to the operation of high efficiency and low cost of financing. However, because the insurance business has the special character of taking risks, it emphasizes loss sharing and the difficulty of risk investigation. And so on, so he encountered many constraints in the development process, which affected his sustained and healthy development.
Looking around the world today, whether in developed countries or in developing countries, small and medium enterprises have become or are becoming an important pillar of the national economy, his rapid development not only promotes the prosperity of the country's economy but also plays an important role in maintaining social stability. After that, it is now in a bottleneck period of development, which is mainly caused by small size of small and medium-sized enterprises, low credit credit, large proportion of enterprise current liabilities and non standard management mechanism. These own disadvantages make small and medium-sized enterprises narrow in financing channels, high risk and high risk, and increase the difficulty of loan. SMEs are trapped in financing difficulties, so it is the key to solve the problem of SMEs' development to mitigate the financing difficulties of SMEs.
This paper first introduces the background of selecting the role of SME credit insurance in SME financing, and gives a brief description of the development status of China's credit insurance and the source of small and medium enterprises' funds, and points out the close relationship between the two. The two problems of risk and SME financing are analyzed and introduced in detail, including the concept and mechanism analysis of credit insurance for small and medium enterprises, the development status of small and medium enterprises, the sources of funds and financing and the role of the financing in the development of China's economy. The role of small enterprise credit insurance in the financing of small and medium-sized enterprises, how to make use of credit insurance of small and medium enterprises to serve small and medium enterprises, and how to give some suggestions on the prospect of this development model.
After a detailed introduction to the credit insurance of small and medium enterprises and the financing of small and medium-sized enterprises, this paper draws a conclusion that the credit insurance of small and medium-sized enterprises can improve the credit rating of small and medium-sized enterprises to a certain extent, promote the standardization of the management and management of the enterprises, and ensure the long-term and sustainable nature of the use of funds in the development of small and medium-sized enterprises. In the study and discussion, we also found a lot of problems in the actual implementation process in the study and discussion. We put forward some suggestions and solutions to these problems, hoping to help the sustainable and healthy development of credit insurance for small and medium-sized enterprises.
【學(xué)位授予單位】：河南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F276.3;F832.4;F842.682

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